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Kolkata
Member since
2020

Kallol's blog archive

2021 (1)
Kallol Bhaumik

Kallol Bhaumik

Domain Consultant at Tata Consultancy Services
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Blogs

 

Credit utilization, a significant factor in deciding credit score - Time to look beyond

17 Aug 2021

Introduction: Credit utilization plays a major role in deciding the credit score. The long running practice, which needs a serious look so that it plays a balanced role among deciding credit rating and reducing credit card payment fraud and ever increasing NPA on credit card loan and payment default. Traditionally 20-30% of credit utilization of a...

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COVID-19 Proves Digital Banking Is No Longer Optional

  It can not be better summerised. Legacy system is hurting a bank in every aspet. Sooner a bank moves on from the legacy system, better it is. Having said that when a bank moves to digital banking, one aspect of the digital banking can not ignored/undermined that is new banking risk, generating due to digitization. 

06 Aug 2020 Reply Read article